How Do I Request an Extension on My American Express Credit Card Bill?

There are several ways to get an extension for your American Express credit card bill. You can take advantage of the company's 25-day grace period before incurring any fees, or you can change your due date using your online American Express account. If you still need more time, you can call American Express directly and request a formal extension.

Nov 30, 2021

Paying your American Express credit card bill on time is the best way to maintain a good credit rating. It can help you increase your credit limit, secure various loans and strengthen your overall financial position. But, even though most people try to pay their credit card bill on time, sometimes things happen and an extension may be needed. If you find yourself in this situation, American Express has a few options that can provide relief when something interferes with your on-time payment habits.

Take Advantage of the Grace Period

American Express understands that paper statements might not get to your home on time, which is why they've implemented a 25-day grace period between your statement date and your due date. Once the grace period is over, you may incur charges and fees in the amounts of which are outlined in your individual credit contract.

Change Your Payment Due Date in Your Online Account

American Express also allows you to change your due date using your online account. If you have a regular American Express credit card, simply log in and click the link located at the bottom of the page. Then, follow the directions that show up on your screen to change the due date.

If you have a Green, Gold or Platinum card, log into your account and use the live chat to contact a customer service representative who can further assist you.

Call American Express Directly

If the 25-day grace period is not enough or you're unable to change your due date in your online account, your best bet is to call American Express directly and request an extension on your credit card bill. The company's representatives may require some additional information and there's no guarantee that you'll be granted the extension. In most cases though, some form of relief can be arranged.

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